Together, we can find the right mortgage to reach your goals.
Kevin Lau
Mortgage & Construction Loan Officer
4201 45th St S
Fargo, ND 58104
Direct: 701-499-6318
Cell: 701-388-7481
NMLS#: 1873750
Kevin Lau - Mortgage and Construction Loan Officer
As a Fargo-based mortgage and construction loan officer, Kevin Lau is dedicated to helping homebuyers and homeowners find the right financing solution. With years of lending experience and a commitment to customer service, Kevin makes the mortgage process clear, straightforward, and tailored to your goals.
Options for
Every Move
Find unique options for land, buying, and building that match your home dreams.
Always Easy to
Work With
Partner with a team that’s responsive, experienced, skilled, and dependable.
Guidance at
Every Step
Rely on our hometown service, trusted advice, and personal attention.
Built on trust. Backed by local experts.
Through our Western Ready* program, you’re getting more than a prequalification letter. You’re backed by a local lending team that knows the market and makes decisions locally, so you can move forward and purchase with confidence! As you search for your next home, you have a trusted local partner in your corner.
Our prequalification process includes:
+ A full tri-merge credit report review
+ Review of information provided regarding income
+ Review of information provided regarding employment
+ Review of federal tax returns, when applicable
+ Review of information provided regarding assets
Your Trusted Mortgage Lender in Fargo
Buying a home is one of the biggest financial decisions you'll ever make. As a trusted mortgage lender in Fargo, West Fargo, Moorhead and the surrounding area, Kevin provides local expertise and personal guidance so you can move forward with confidence. From first-time buyers to seasoned homeowners, he works closely with you to find the best loan program for your needs.
Mortgage Options
Kevin offers a wide range of mortgage solutions to fit Fargo's diverse housing market, including:
- Conventional loans – flexible financing for local homebuyers
- FHA and VA loans – options designed for first-time buyers or veterans
- USDA loans – ideal for qualifying properties in surrounding communities
- Construction loans – financing to help you build your dream home in Fargo
Why Work With a Fargo Mortgage Lender
Working with a local Fargo mortgage lender means having a partner who understands the community and the housing makret. Kevin offers:
- Personalized loan guidance for every stage of homeownership
- Fargo-specific market knowledge and local lending experience
- Clear communication to keep your mortgage process on track
Fargo Roots + Local Commitment
Kevin is proud to live and work in Fargo, and he attended North Dakota State University. He is active in the community and enjoys supporting local small businesses. Kevin resides in Fargo with his wife, Kristina, and their two daughters.
His strong community connections and commitment to helping local families achieve their homeownership goals set him apart as more than just a lender — he's a trusted partner in your home-buying journey.
Built on trust. Backed by local experts.
Through our Western Ready* program, you’re getting more than a prequalification letter. You’re backed by a local lending team that knows the market and makes decisions locally, so you can move forward and purchase with confidence! As you search for your next home, you have a trusted local partner in your corner.
Our prequalification process includes:
+ A full tri-merge credit report review
+ Review of information provided regarding income
+ Review of information provided regarding employment
+ Review of federal tax returns, when applicable
+ Review of information provided regarding assets
Download our mortgage checklists
Getting ready to start the mortgage process? Follow our checklists to prepare the documents you'll need.